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CRM Phase 2 for Professionals

Do you know what to tell your clients?

On July 15th, 2016 the Canadian financial advisory community will undergo a change that will shape its revenue model forever. This transformation – 20 years in the making – will be a result of the final stage of the Client Relationship Model -Phase II (commonly known as CRM2) put into force by all provincial and federal regulators in Canada.

As trusted advisors, you will be called upon to explain the impact of this complex change on clients.

What You Will Learn

This seminar is designed to inform professionals about how this regulation will change the financial advisory community – and the rights of their mutual clients:

  • When the regulation will take effect
  • What will be the impact of the regulation
  • Current fee disclosure and options
  • How compensation will be disclosed after the regulation
  • How annual performance reports will be illustrated
  • Comparable global regulations and the effect on their advisory community
  • How financial services will evolve

Seminar Details

Dates: To Be Announced
Time: To Be Announced
Location: To Be Announced

How to Register

Call HighView at 1 (888) 827-8540 or submit the form to the right.

The Presenters

Julie Cordeiro – Legal Counsel – Portfolio Management Association of Canada
Adam Laird – Stewardship Counsellor – Highview Financial Group
Dan Hallett – Vice President & Principal – Highview Financial Group

Julie Cordeiro

Legal Counsel – Portfolio Management Association of Canada

Julie CordeiroJulie is the in-house Legal Counsel at the Portfolio Management Association of Canada (PMAC). Her areas of expertise include securities law, regulatory and policy issues, analysis and impact of legal issues impacting registrants, monitoring and analysis of industry developments, and representation of investment industry positions to securities commissions, self-regulatory organizations and government.
Julie responds to member inquiries regarding securities law and is responsible for keeping membership up to date on significant current and proposed securities and tax regulation that impact firms and their clients. She works with various legal and compliance related Association committees and supports the Association’s advocacy activities by being a key liaison with the various provincial securities regulators .
Prior to joining PMAC, Julie held the position of Legal Counsel with the Ontario Securities Commission in the Corporate Finance Branch. Julie was called to the Ontario Bar in 2003 and following that she completed her Master of Laws (LLM) at the New York University.

Adam Laird, MBA, CFA, CIM

Stewardship Counsellor – Highview Financial Group


As Stewardship Counsellor at HighView, Adam focuses on advising high net worth families about wealth management. He is an expert in CRM2, writing his widely recognized thesis on the subject to earn his MBA at Wilfrid Laurier University. Adam is a champion of goals-based, transparent, and objective investment counselling.

Adam currently resides in his hometown of Oakville, Ontario. He is a proud member of the Oakville Breakfast Club and Halton Fresh Food Box – programs that serve healthy breakfasts to local youth and promote nutrition to the community. He is a Chartered Investment Manager (CIM) and a Chartered Financial Analyst (CFA) charterholder.  Adam is a member of the CFA Institute and the Toronto CFA Society.

Dan Hallett CFA, CFP

Vice-President & Principal – Highview Financial Group

dan-halettDan Hallett is responsible for manager research, portfolio construction, and investment program design at HighView. With more than 20 years of industry experience, Dan is recognized as an investment expert. His views and opinions are regularly featured in print, TV, radio, and online media. He has contributed research to Morningstar Canada, the Globe & Mail’s websites, Canadian MoneySaver magazine, Advisor’s Edge magazine, and Advisor’s Edge Report. He has also served as a contributor to, or reference for, several best-selling personal finance and investment books.

Dan’s experiences include roles as a Senior Investment Analyst with Sterling Mutuals Inc. and, before that, with FundMonitor.com Corporation – a Toronto based investment research firm where he was integral in the development of online portfolio analysis tools. Dan led each respective firm’s investment research efforts and counselled many of Canada’s top financial advisors on portfolio design for their wealthiest clients.

Dan holds a Bachelor of Commerce degree from the Odette School of Business at the University of Windsor. He is also a Certified Financial Planner (CFP) licensee and a Chartered Financial Analyst (CFA) charterholder. Dan is a member of the CFA Institute and the Toronto CFA Society.

More about CRM2

The CRM will take effect in many steps, with the largest effect coming on July 15th, 2016. After this date, all investors must be provided an annual summary of all charges incurred, including all trailing commissions, referral fees and other compensation received by the dealer that relates to the client’s account. In addition, there will be a mandatory annual account performance report, which will include the annualized total percentage return for the client’s account, with text, tables, charts, explanatory notes and definition of total percentage return.

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